Houston, TX · Charter 18218
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 2.17% | 3.11% | 3.05% | 3.27% | 1.65% | 1.04% | 0.98% | -207 bps | |
| Return on Equity | 30.77% | 19.05% | 25.32% | 23.75% | 23.41% | 12.58% | 7.81% | 7.25% | -1,650 bps | |
| Net Interest Margin | 4.29% | 2.86% | 3.57% | 3.56% | 3.82% | 2.67% | 2.68% | 2.02% | -155 bps | |
| Efficiency Ratio | 13.95% | 24.19% | 12.80% | 14.36% | 14.57% | 38.36% | 61.09% | 51.25% | +3,688 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.76% | 8.90% | 1.24% | 2.42% | -0.78% | -0.58% | 0.37% | -1.12% | -355 bps | |
| Loan Growth (YoY) | 17.77% | 15.09% | 1.44% | -5.41% | -19.24% | -15.57% | -6.67% | 17.90% | +2,331 bps | |
| Share Growth (YoY) | 8.13% | 7.23% | -0.48% | 0.89% | -2.88% | -2.48% | -1.22% | -2.64% | -353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.42% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.04% | 0.03% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.99% | 11.38% | 12.28% | 12.85% | 13.95% | 13.10% | 13.37% | 13.58% | +72 bps | |
| Net Worth / Assets | 11.99% | 11.38% | 12.28% | 12.85% | 13.95% | 13.10% | 13.37% | 13.58% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.43% | 71.70% | 67.47% | 59.80% | 58.57% | 62.08% | 63.75% | 72.42% | +1,262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |